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We are the nation's leading online car buying center for people with special
circumstances. Our dealer partners have closed over 1 billion dollars in bad credit car loans,
used car loans and auto loans with a bankruptcy.

Auto Credit Express meets all the Better Business Bureau standards and has participated since 2004.

To Assure your Privacy, all data is sent via SSL encrypted secure server.

Basic Requirements

A minimum $1,500 gross monthly income is required for credit scores under 625.

For a Chapter 7 Bankruptcy, the 341 meeting of creditors must be completed.

For a Chapter 13 Bankruptcy, an Authorization to Incur Debt from the trustee is required.

There must be no auto loan repossessions within the last year unless they were included as part of a bankruptcy.

Approved auto loans are for buying a car from one of our authorized licensed car dealer partners.

Available to US or Canadian residents who are at least eighteen years of age.

Step 1 Credit Profile

Credit Profile Min Score

Good Credit 700

Fair Credit 625

Situational Bad Credit 575

Bad Credit 525

Very Bad Credit N/A

Step 2 Monthly Income

Total Monthly Income before taxes are deducted:

Step 3 Monthly Recurring Debt

Rent or Mortgage:Min Credit Card Payments:

Garnishments:Other Loan Payments:

(Do not include utility bills or car payment, if trading-in)

Estimated Approval Amount:

$0.00

Step 4 Get Approved

This calculator is only an estimate. You may qualify for more or less. Consult your Auto Credit Express Auto Loan Specialist for the most current information and to help you better understand how much you can afford to pay for a car.